We can briefly understand why group loan interest rates are so high

Ai Investment reminds everyone that as the number of users of Tuandai.com gradually increases, more and more people will find that Tuandai.com’s interest rates are so high that people are worried about the security of the platform with such high interest rates. Sex? Many people will have such questions. Let’s analyze it below to see why the interest rates on Tuandai.com are so high and whether such high interest rates are reliable.

Why Tuandai.com has high interest rates

1. The background and target users of Tuandai.com

Tuandai.com was officially launched in 2012 and is a company that focuses on As an Internet financial information platform for small and micro enterprise financing services, in November 2013, Tuandai.com successfully completed the joint-stock reform and became the first joint-stock Internet financial company in China with a registered capital of 100 million yuan. Tuandai.com has completed three rounds of financing totaling 675 million yuan, with investors including venture capital, state-owned assets, entrepreneurship, listing and other institutions. Among them, the B-round financing of 200 million was led by Jiuding Investment, with participation from Giant Investment, Jiuyi Investment and Shen Ningchen; the C-round financing of 375 million was led by Hongshang Guangying with 100 million investment. Since its inception, Tuandai.com, after extensive practical research and market analysis, has positioned its target market and service groups as a large number of small and micro enterprises in China, and their financing and loan amounts are generally in the range of hundreds of thousands to 10 million.

2. Introduction to Tuandai.com’s financial service products

Micro Tuandai: mainly provides small businesses within 500,000 yuan to individual industrial and commercial households and individuals in areas covered by branches across the country. Credit product business. At present, the main products include Fangsu Dai, Cheyidai and small consumer loans, which usually use personal properties, cars, etc. as loan collateral.

Small and micro enterprise loans: Credit business products that provide quick financing channels and improve capital utilization for small and micro enterprises. Mainly based on traditional entity small and micro enterprises in Dongguan, borrowers use the company's fixed assets, equipment, accounts receivable, etc. as counter-guarantees to apply for loans. After offline review and evaluation by Tuandai.com's credit staff, the loan will be People grant credit.

Supply chain: The supply chain standard is a product developed by Tuandai.com and Juntuo Finance for well-known e-commerce platform merchants and cross-border trade companies. It is designed to provide procurement and receivables within the account period. Merchants in urgent need of working capital are provided with more convenient financing channels, and supporting services such as customs declaration, warehousing management, and logistics are provided for borrowing companies.

Instalment loan: a small consumer loan product for white-collar workers, blue-collar workers, civil servants, employees of enterprises and institutions, students and other groups. It mainly provides consumption installment services in vertical consumer fields such as electronic products, home appliances and furniture, decoration, tourism, and skills training.

Project Bao: A new product launched by Tuandai.com for companies with large capital needs in equity investment, real estate investment and other fields. The borrower must provide sufficient collateral and be awarded the corresponding loan amount after the platform's valuation, before the tender loan can be completed. The platform also evaluates investment projects to ensure that there is room for profit or arbitrage exit during the loan period to ensure the safety of repayment.

Asset target: The borrower uses its futures, joint-stock company equity, bank bills, commercial acceptance bills and other assets held as collateral to finance the loan through Tuandai.com. Tuandai.com grants credit at a discount based on the asset value of the pledge, and the borrower's borrowing amount cannot exceed the credit limit.

Why is the interest rate of Tuandai.com so high?

From the above analysis, it can be seen that the loan users of Tuandai.com tend to be those who love investing, and most of them choose those with good qualifications and the ability to repay loans. Enterprises, even if they are unable to repay their debts, these high-quality enterprises still have a large amount of assets that can be used as collateral to borrow money. At the same time, in order to attract a large number of users to lend funds on the platform, why is the interest rate of Tuandai.com so high. The above is my summary of the reasons why the interest rates on Tuandai.com are very high. I hope it will be helpful to you.